Motor insurance is unusually costly for me personally (18yrs old)? What am I doing wrong?

Invest the off a term from facultyIn case a person has insurance for a couple weeks and gets in a huge damage and totals like 3 vehicles and dies?

I am my dad bought a 2007 Nissan Altima to me and a 17 year old guy. He wishes the insurance to be paid by me and I thought that it might be high…and so I require quotes.

“As aboveI only received some papers by mail proclaiming that there’s a title insurance premium of $500 and recently bought a residence. Is this one time fee? But does not the term quality in insurance terminology imply regular cost? I m confused.

“Therefore about 3 weeks before some man backed into my vehicle also it was his problem… Their insurance carrier claimed consider my vehicle to your bodyshop repair and they will spend the repair center only. I wanna obtain several rates and take my car to different outlets and also have me. is paid by the insurance carrier I wanna determine climate to fix the automobile or keep the money (possibly offer my automobile and get a better one)… It’s my automobile and that I have the title for it. Why if the damn insurance carrier handle what to do with car that is own or control how a repair process goes!!! It is a 1995 nissan 240sx… If I could make the insurance carrier to write me a check please inform me